Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$163,755Cash toward the purchase price.
Closing costs + prepaids$9,683Not just lender fees.
Before credits & paid funds$173,438The complete starting cash picture.
Estimated remaining funds due at closing
$173,438No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$163,754.52
Your down payment$163,754.52
Closing costs + prepaids$9,683.24
Total buyer cash needed$173,437.76
Remaining funds due$173,437.76
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,499.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$299.00
Initial HOA (3 months)$423.00
Prepaid interest, first (28 days)$237.24
Fees + prepaids$9,683.24
Your down payment is the seller’s equity. You take over the $86,145 balance, so the rest of the $249,900 price is paid at closing. A second mortgage can cover part of it. $173,437.76 is due at closing. Uses and sources reconcile at $259,583.24 each. Not a Closing Disclosure.